For most people this has little value. The centralised banking model is cost efficient and for most people trust isn't an issue. The modern world runs on trust.

Also if I want to trade anonymously there is always cash ( as least for now ), which is a simple, well understood, near universally accepted mechanism.

There are niches where decentralized banking is useful - but they are niches - and many of them are associated with dubious activity.

On top of that the current tech plaforms simply don't scale - the cost of replacing simple trusted parties with technology is huge.